When you report credit card fraud to your issuer, you will be sent a fraud affidavit for you to fill out, sign and return.

Card selection for discoer credit card fraud is maintained and reviewed by our panel editors.

Many of them also offer not only rewards programs, but zero-liability fraud protection, meaning that you aren’t responsible for anyone using your card against your permission, or stealing the card and committing credit card fraud.

But they’ve not actually removed anything from your record….because they can’t.

A recent study found that 46% of credit card fraud victims had no idea how fraud occurred, but 21% said they believed their credit card number was stolen off the Internet.